Ripple USD narxiRLUSD

1. Fundamental Overview 🏛️ XRP is the main token used in Ripple’s payment system. Ripple Labs was founded in 2012 by Chris Larsen and Jed McCaleb to make global money transfers faster and cheaper. ⚫ XRP transactions cost almost nothing compared to traditional bank transfers ⚫ Transfers confirm in less than 5 seconds ⚫ It runs on the XRP Ledger, an open-source system that doesn’t rely on mining ⚫ Ripple focuses mainly on banks and payment companies, but retail users also use it for transfers On Bitget, XRP has strong liquidity with about 85.84 million USDT traded in the last 24 hours. So here’s the big question: is XRP still worth holding long term, or is it just lagging behind the rest of the market? Let’s look deeper. 2. Ripple’s Latest Developments 📰 Ripple has been making some bold moves lately that could influence XRP’s future. ⚫ Ripple raised $500 million from six institutional investors ⚫ This pushed the company’s valuation to $40 billion ⚫ Ripple partnered with Mastercard to use RLUSD, its stablecoin, for faster card settlements on the XRP Ledger That partnership with Mastercard is a major step. It allows instant settlements using RLUSD, cutting processing time from days to seconds while lowering costs for banks and merchants. RLUSD is backed by U.S. Treasuries and cash, giving it stability. Its circulation keeps growing, showing that institutions are starting to take it seriously. But not every XRP holder is celebrating. ⚫ Only about 65% of XRP supply is currently in profit ⚫ Around 37% of holders are still in losses ⚫ Some big holders, including Ripple co-founder Chris Larsen, have sold part of their holdings Ripple also announced a $1 billion share buyback, which boosts the company’s own value but doesn’t directly lift XRP’s price. In short, Ripple the company is thriving, but XRP the token hasn’t fully caught up yet. The long-term story looks strong, though the short-term price movement still feels heavy. What do you think? Do you see this as a delayed reaction waiting to play out, or is the market telling us something deeper about utility tokens? 3. Technical Overview 📈 Current Price around 2.3261 USDT 24-Hour Change: +3.81% The price bounced slightly from 2.2766 to 2.3261, which is about a 2.17% rise. Daily Chart Insights: ⚫ EMA lines show the short-term trend is weaker than the mid-term trend ⚫ MACD is negative but recovering slowly ⚫ RSI is below 40, signaling mild oversold conditions ⚫ KDJ indicates weak short-term strength ⚫ Price still sits near the lower Bollinger Band 15-Minute Chart View: ⚫ EMAs are close together, showing no clear direction ⚫ MACD is slightly negative but narrowing ⚫ RSI remains neutral ⚫ Support is around 2.3114 USDT and resistance near 2.3579 USDT Capital Flow Snapshot: ⚫ Institutions are selling at highs (net outflow of -7.01M XRP) ⚫ Retail traders are buying in small amounts (+7.07M XRP inflow) ⚫ The last 8 hours saw a net outflow, meaning rebound momentum is fading So what does this tell us? XRP is in a weak rebound stage. There’s no strong reversal signal yet. Institutional selling remains active while retail traders are cautiously buying dips. 4. Contract Market Overview ⚖️ ⚫ Open Interest: 57.35M XRP (≈134M USDT) ⚫ Long-Short Ratio: 10,654 longs vs 1,894 shorts (about 5.6:1) ⚫ Funding Rate: 0.0001, neutral ⚫ Spot-Contract Basis: -0.001 USDT (spot slightly below contract) Too many longs can be risky. If price dips, we might see liquidations quickly. The technicals show a rebound, but fundamentals aren’t strong enough to confirm a solid uptrend. What this means for traders: play it small, stay flexible, and don’t chase breakouts blindly. 5. Contract Trading Strategy 🎯 Overall, it’s not the best time to go heavy on longs. The market is fragile, and longs are overcrowded. If you’re trading short-term, small rebound plays make more sense. Plan: Short-Term Rebound Long (Small Positions Only) ⚫ Entry Zone: Around 2.3114 USDT ⚫ Target: 2.3579 USDT ⚫ Stop Loss: 2.3050 USDT Position Plan: ⚫ Enter the first 20% around 2.3150, stop at 2.3050, take profit near 2.3350 ⚫ Add 30% near 2.3100 if price dips, target 2.3400 ⚫ Add 50% above 2.3400 if confirmed breakout, stop 2.3250, target 2.3600 Risk rules are simple: ⚫ Always use stop losses ⚫ Never risk more than 1% per trade ⚫ Total position under 5% of your account ⚫ Watch the long-short ratio closely Shorting right now isn’t ideal since RSI is already oversold and MACD is recovering. But going too heavy on longs doesn’t make sense either because the fundamentals are not yet aligned with price momentum. 6. Spot Holding Option 💰 If you prefer low risk, the smarter move is to accumulate slowly. ⚫ Consider accumulating near 2.3100–2.3150 USDT ⚫ XRP still holds long-term value as Ripple’s partnerships expand ⚫ Dollar-cost averaging can smooth out volatility over time 7. What to Keep Watching 📋 ⚫ Updates on Ripple’s ongoing case with the SEC ⚫ New partnerships with major banks or payment firms ⚫ Upgrades to the $XRP Ledger ⚫ Broader crypto market direction and Fed interest rate policy ⚫ Whale and institutional on-chain activity 8. My conclusion 💡 Ripple’s $500 million funding and Mastercard partnership clearly show institutional trust and expansion. The company itself is growing stronger and positioning well in the financial system. But XRP’s price still hasn’t responded to this momentum. Institutions are selling, and technicals show only mild recovery. It’s better to stay patient and focus on smaller trades or accumulation zones rather than big bets. If Ripple keeps pushing RLUSD into global payments, XRP could eventually benefit. For now, discipline and tight risk control matter more than prediction. So, how do you see it: a quiet accumulation phase before the next leg up, or just another short-lived rebound?

Ripple Partners with Mastercard to Pilot Credit Card Settlements using RLUSD

Ripple has secured a massive $500 million strategic investment, co-led by TradFi giants Fortress Investment Group and Citadel Securities. This funding round cements a $40 billion valuation for Ripple, signaling significant institutional confidence in the blockchain payment company. I. Purpose of the $500M Investment & Institutional Expansion The capital infusion is geared towards solidifying Ripple's aggressive expansion and institutional transformation: Purpose of the $500M Fund: The investment, one of the largest single funding events in crypto, highlights growing institutional trust and fuels Ripple's broader consolidation and maturation. It validates the company's push toward a compliance-focused, high-volume operation, with Ripple having processed over $95 billion in payment volume and holding 75 regulatory licenses globally. Primary Focus of Institutional Expansion: Ripple is pivoting to become a comprehensive institutional financial services provider, primarily focusing on prime brokerage services and treasury management. This pivot is centered on the $1.25 billion acquisition of Hidden Road (rebranded as Ripple Prime). Ripple Prime made the company the first crypto firm to own and operate a global, multi-asset prime broker, offering clearing, financing, and brokerage across foreign exchange, digital assets, derivatives, and fixed income to institutional clients. Further expansion is supported by other acquisitions like GTreasury and Rail, strengthening solutions for custody, settlement, and treasury needs. II. Long-Term Impact on XRP's Utility and Price Ripple's corporate success, including the $1 billion market capitalization of its RLUSD stablecoin, has raised questions about the direct benefit to its native token, XRP: XRP Price Disconnect: Despite the record valuation and institutional deals, XRP's price recorded only a modest gain on the news, having fallen 15% in the week prior. This disparity highlights a disconnect between the corporate entity's success and the token's market performance. Utility Questioned: Ripple's institutional pivot toward Ripple Prime and the successful RLUSD stablecoin (used for institutional settlement and DeFi) suggests that the company's core growth drivers may increasingly rely on proprietary solutions and stablecoins, prompting questions about XRP's evolving role and utility within Ripple’s fastest-growing institutional segments. III. Conclusion Ripple's $500 million investment and $40 billion valuation underscore its successful transformation into a major institutional player, specializing in prime brokerage and multi-asset services. While this corporate evolution solidifies its position as a compliant, regulated financial technology firm, it simultaneously spotlights the ongoing challenge of translating that corporate success into tangible, sustainable utility and price appreciation for the XRP token. IV. Disclaimer This article is for informational purposes only and is based on third-party analyst commentary and market data. It should not be considered financial, investment, or trading advice. The cryptocurrency market is highly volatile and speculative, and market conditions are subject to rapid change without notice. Readers are strongly advised to conduct their own thorough research and consult with a qualified financial professional before making any investment decisions.

Ripple et Mastercard viennent de franchir une étape qui pourrait bien transformer la façon dont nous payons au quotidien. Lors de la conférence Ripple Swell 2025, les deux géants ont annoncé un projet pilote permettant de régler des transactions Mastercard grâce au stablecoin RLUSD directement sur le XRP Ledger. Autrement dit : utiliser la blockchain pour faire tourner le même système que celui que tu connais déjà… ton paiement par carte. C’est une initiative discrète, mais potentiellement énorme. Imagine : au lieu d’attendre plusieurs jours pour que les fonds circulent entre banques, tout se règle quasiment instantanément et de manière transparente sur la blockchain. Même expérience pour l’utilisateur — tu swipes ta carte —, mais avec une infrastructure complètement repensée en coulisses. Le cœur du système, c’est RLUSD, le stablecoin de Ripple lancé fin 2024 sous la supervision du New York Trust Charter. Adossé au dollar, garanti par du cash et des bons du Trésor à court terme, RLUSD a déjà dépassé le milliard de dollars en circulation. Il a été conçu pour être réglementé, vérifiable et 100 % auditable, un point essentiel pour collaborer avec des institutions comme Mastercard, WebBank (l’émetteur de la carte Gemini) ou Gemini elle-même. Dans ce pilote, WebBank teste un nouveau mode de règlement instantané : au lieu de passer par les multiples intermédiaires habituels, les transactions Mastercard sont réglées directement en RLUSD sur le XRP Ledger. Résultat : plus besoin d’attendre les 2 ou 3 jours de compensation entre banques. Tout se fait en quelques secondes, avec une traçabilité publique et une sécurité renforcée. Ce n’est pas une expérience “crypto grand public” où l’on paie en jetons — l’objectif n’est pas de changer les habitudes des consommateurs, mais d’améliorer l’infrastructure invisible derrière chaque paiement. Ripple résume bien l’idée : “apporter la vitesse et l’efficacité de la blockchain aux paiements que les gens utilisent déjà.” La participation de Mastercard n’est pas anodine. Le géant explore la blockchain depuis des années — CBDC, dépôts tokenisés, stablecoins —, mais c’est la première fois qu’un cas d’usage réel relie directement ses systèmes à un réseau public comme le XRP Ledger. Pour Ripple, c’est une démonstration de puissance : le XRPL peut gérer des flux financiers réglementés à grande échelle, tout en restant ouvert et transparent. Les avantages sont clairs : règlements internationaux plus rapides, frais réduits pour les banques et commerçants, transparence accrue pour les régulateurs, moins d’intermédiaires. Et grâce à la conception conforme du RLUSD (réserves vérifiées, audits réguliers, supervision légale), tout cela reste compatible avec les standards bancaires. Le dernier obstacle reste la validation réglementaire, nécessaire avant un déploiement complet. Mais la direction est évidente : prouver que blockchain et finance traditionnelle peuvent coexister sans se contredire. Si ce test réussit, il pourrait ouvrir la voie à une nouvelle ère où les paiements par carte, les transferts bancaires et les transactions crypto partagent la même infrastructure fluide et instantanée. Au-delà de la vitesse, cette intégration apporte une autre révolution : celle de la traçabilité en temps réel. Les paiements traités sur le XRP Ledger peuvent être vérifiés publiquement, offrant un niveau de transparence inédit dans le monde des paiements. Cela pourrait transformer la manière dont les institutions financières gèrent le risque, détectent la fraude et assurent leur conformité. Ce modèle ouvre aussi la porte à un nouveau type de concurrence. Si Ripple et Mastercard parviennent à prouver l’efficacité du RLUSD pour les règlements, d’autres réseaux — Visa, PayPal, ou même des banques centrales — pourraient être tentés de créer leurs propres solutions blockchain internes. On assisterait alors à une course à l’intégration de stablecoins réglementés, chaque acteur cherchant à gagner en rapidité et en efficacité. D’un point de vue macroéconomique, ce genre d’initiative marque un tournant. Le mouvement de la valeur devient aussi fluide que celui de l’information. Là où les banques mettaient des jours à faire circuler des fonds, la blockchain permet désormais de transférer des millions en quelques secondes. C’est une évolution structurelle comparable à l’arrivée d’Internet dans la communication : un Internet de la valeur, désormais à portée de main. Enfin, pour les utilisateurs finaux, rien ne change — et c’est précisément ce qui rend cette innovation si puissante. Tu continues à payer avec ta carte, ton application reste la même, mais derrière, le monde financier est en train de basculer vers un système plus rapide, plus transparent et potentiellement plus juste. Si Ripple et Mastercard réussissent ce pari, on se souviendra peut-être de ce pilote comme du moment où la blockchain est enfin entrée dans le quotidien… sans même qu’on s’en rende compte. $XRP #Mastercard #Ripple